There’s one certainty in life and it’s growing older. Call it genes or luck, but while some people manage to avoid health issues throughout their golden years, others aren’t so fortunate. Either way, no one can predict what’s around the corner, so the best thing you can do is ensure you have adequate private cover should your situation change.
Having hospital cover and tying in a selection of extras that relate to your unique situation will put you in good stead to get the most out of your private health fund.
Choosing Your Extras
For some people, knowing what extras to choose for your health insurance is simple. For others it can be less straightforward. If you already wear glasses, experience back or neck issues that require ongoing treatment, or you’re hard of hearing, there are relevant options you can include in your cover that will provide assistance when you next need it. You can choose as little or as much coverage as you feel comfortable with.
What If I Have Pre-existing Conditions?
That’s completely fine. In most cases you can still include extras and hospital benefitsin your cover that relate to your conditions at no extra premium, though you’ll typically have to wait 12 months before you can claim against them.
Nobody knows what tomorrow will bring. At least with private health insurance on your side you’ll be able to get on with living life to the fullest, with the peace of mind that if something does happen you have some help when you most need it.
To help you find the right private health fund that fits in with your lifestyle and needs, comparethemarket.com.au has a straightforward online comparison tool that lets you compare a range of health insurance options in the one place.